NASA Federal Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
66th6.2% deniedPricingmedian rate spread over APOR, weight 30%
48th0.29 ptsProcesswithdrawn + incomplete share, weight 15%
60th9.5%Closing coststotal loan costs ÷ loan amount, weight 10%
4th5.19% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 588 | 420 | 5.1% | 5.7% | 7.50% | $72M |
| 2024 | 518 | 371 | 6.4% | 7.3% | 7.25% | $67M |
| 2025 | 907 | 661 | 5.6% | 6.2% | 7.25% | $113M |
What NASA Federal Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 442 home-equity lines, 0 reverse mortgages, 1 manufactured homes, 29 investment properties.
Why NASA Federal Credit Union denies applications
Primary reason reported for each of the 51 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at NASA Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 27 | 14 | 32.0% |
| $50k – $100k | 126 | 84 | 8.9% |
| $100k – $150k | 230 | 160 | 6.9% |
| $150k – $250k | 342 | 254 | 4.8% |
| Over $250k | 168 | 137 | 1.9% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 63 | 44 | 5.6% |
| 35–44 | 195 | 129 | 5.3% |
| 45–54 | 266 | 209 | 6.8% |
| 55–64 | 233 | 163 | 8.1% |
| 65–74 | 115 | 87 | 3.8% |
| Over 74 | 29 | 23 | 3.9% |
Where NASA Federal Credit Union lends
41 states and 245 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Maryland | 432 | 316 | 5.8% | 7.25% | #101 |
| Virginia | 114 | 96 | 2.6% | 7.25% | #275 |
| Florida | 58 | 36 | 10.3% | 7.25% | #579 |
| California | 42 | 27 | 9.5% | 7.25% | #548 |
| North Carolina | 32 | 24 | 6.3% | 7.25% | #464 |
| Georgia | 29 | 22 | 10.3% | 8.00% | #524 |
| District of Columbia | 20 | 14 | 5.0% | 7.25% | #122 |
| Texas | 18 | 12 | 5.6% | 6.38% | #873 |
| Ohio | 14 | 11 | 0.0% | 7.25% | #573 |
| Pennsylvania | 13 | 9 | 7.7% | 7.25% | #658 |
| Arizona | 12 | 9 | 0.0% | 7.25% | #486 |
| South Carolina | 9 | 7 | 0.0% | 8.00% | #549 |
| Colorado | 8 | 6 | 12.5% | 7.25% | #539 |
| Indiana | 8 | 2 | 0.0% | 8.25% | #587 |
| Michigan | 7 | 7 | 0.0% | 8.00% | #553 |
| Tennessee | 7 | 4 | 14.3% | 7.88% | #687 |
| Massachusetts | 6 | 6 | 0.0% | 7.63% | #504 |
| Minnesota | 6 | 1 | 16.7% | 8.25% | #528 |
| Mississippi | 6 | 5 | 0.0% | 8.00% | #322 |
| Oregon | 6 | 5 | 0.0% | 7.50% | #420 |
| Delaware | 5 | 5 | 0.0% | 7.25% | #313 |
| Illinois | 5 | 3 | 0.0% | 9.00% | #754 |
| Louisiana | 5 | 2 | 0.0% | 6.88% | #432 |
| New Hampshire | 5 | 3 | 0.0% | 6.00% | #334 |
| Oklahoma | 5 | 4 | 0.0% | 7.00% | #477 |
| Washington | 5 | 4 | 20.0% | 8.13% | #537 |
Frequently asked questions
NASA Federal Credit Union denied 6.2% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 66th percentile of small mortgage lenders.
The most common reason NASA Federal Credit Union gave in 2025 was "debt-to-income ratio", cited on 43.1% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans NASA Federal Credit Union originated in 2025 was 7.25%, and its median rate spread over the average prime offer rate was 0.29 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 16% of its applications were for home purchases, 26% for refinancing (including cash-out), and 59% for home improvement or other purposes. By loan type: 98% conventional, 1% FHA, 1% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.